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What is a Lump-Sum Distribution from a 401(k)?
Lump sum distributions are when the entire balance of an account is paid out at once. After you retire, you can elect to receive your money in a lump sum.
Of course, you will end up paying income taxes on the entire distributed amount that year. There is also what’s called the mandatory 20% withholding, which requires custodians to withhold 20% from retirement plan distributions if they are not part of a trustee-to-trustee transfer (such as funding an IRA).
If your tax bracket is lower than this 20%, you still must wait until April to get a refund. If this distribution is taken before age 59 ½, you may also have to pay the 10% IRS early withdrawal penalty.
There is an exception to that, if the account is sponsored by a company where the employee worked until age 55, distributions after that point are not subject to the early withdrawal penalty.
Another thing to keep in mind: if you take the entire amount out of your 401(k) account, and you deposit it into an investment vehicle that is not tax-advantaged, the money will no longer grow tax-free.
What is a C-Corporation?
C-corps are generally the larger, more established companies in the country – most publicly-traded companies are C-corps
How Do I Know I’m Getting Credit for the Years I’ve Worked?
As of 2016, workers who have not registered online will receive a letter every 5 years that contains a statement
What is Mortgage Fallout?
Mortgage fallout refers to the instance of proposed loans falling through before closing. High fallout rates can be bad
What are Bank Deposits?
Deposits are cash, checks, and electronic transfers that banking customers put into their personal or corporate banks
What is a currency pair?
Currency exchange rates are discussed in terms of currency pairs, where how much of a currency it takes to equal another
What is NASD?
The NASD stands for the National Association of Securities Dealers. In 2007, the NASD merged with the NYSE to form FINRA
What is a Convertible Bond?
A convertible bond, also known as convertible debt, is debt that can be converted to equity (in the form of common stock)
Should I Trust an Article Such as “What Are The Best 10 Stocks For The Next 10 Years?”
Unlike short-term stock picks, these articles are concerned with growth that will go beyond the short term uptrend
How to Get Notified About Stock Market Predictions
What is adaptive price zone?
Adaptive Price Zone is a volatility-based trading indicator. Similar to traditional Bollinger Bands